AA Money is a trading name of UDC Finance Limited (UDC). UDC is not a financial advice provider. Any recommendations that we may give you in relation to your loan application or resulting loan (and any associated insurance product) are not "regulated financial advice" under New Zealand law. Please read the following statement on this subject:

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your loan and any associated insurance product are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licenced.